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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,263 | $48,364-93.3% | $71,796-95.5% | $62,881-94.8% |
| Participation rate | 40.0% | 60.6%-20.6pp | 69.1%-29.1pp | 69.3%-29.3pp |
| Annual return | 5.12% | 13.16%-8.0pp | 78.04%-72.9pp | 20.14%-15.0pp |
| Employer contribution / active EE | $270 | $1,042-74.1% | $1,924-86.0% | $2,281-88.1% |
| Participant deferral / active EE | $510 | $2,091-75.6% | $2,794-81.8% | $3,203-84.1% |
| Admin fee / account holder | $338 | $3,771-91.1% | $4,815-93.0% | $4,296-92.1% |